As a nonreligious person, where do you get your moral guidance?

[Jehanne]

The belief in transubstantiation, a religious belief, is not necessarily a moral belief.

Of course it's a moral belief, Catholics believe they are doing something moral by drinking the blood and eating the body of Christ. A cannibal's morality, if you will.

Any morality with respect to the doctrine of transubstantiation would concern itself with how the consecrated host is treated but the "matter & form" surrounding consecration is not a moral statement by the Catholic Church.